When should I purchase overseas student insurance?

You can start your applications 90 days prior to your departure date.

Can annual travel insurance replace overseas student insurance?

No. You are only covered up to 180 days for annual travel insurance whereas you are covered up to 2 years if you take out overseas student insurance. Moreover, overseas student insurance is tailored for students’ needs - for example it provides cover for study interruption.

Do I need overseas student insurance?

If you are studying overseas for more than six months, it is recommended to purchase overseas student insurance.

What is the difference between mandatory health insurance required by some countries and other overseas student travel insurance?

In general, those mandatory covers only provide basic cover with limited coverage whereas overseas student travel insurance provides a more comprehensive cover, covering students medical expenses in private clinics/ hospitals.

Should I purchase additional cover if I have already purchased an insurance policy through my school?

Yes, it is recommended to get additional cover to extend your cover to internship, study interruption, travel during term breaks, etc.

Is it a must to purchase overseas student insurance prior to my departure?

Yes, you must purchase overseas student cover before you set off. If you are under 18 years old, only your parents/ legal guardian can purchase it on your behalf.

Who is eligible to purchase overseas students health cover?

Any legal Hong Kong resident aged between 10 to 35 is generally eligible to apply.

Compare Overseas Student Insurance in Hong Kong 2025

Discounted Premium

^HK$3,510

MoneySmart Exclusive

Promotion ends in 3 days

AXA SmartStudent Overseas (Worldwide, excl. USA/Canada)

Medical Coverage: ^HK$2,000,000
Personal Accident: ^HK$1,000,000
Personal Belongings: ^HK$20,000
Discounted Premium: ^HK$3,510

【📚MoneySmart Double Upgrade for Study Abroad 🎓】
🎓 Just got your DSE results and planning to study abroad? Unlock your full academic potential with the power of AI‼️
Purchase any designated Overseas Student Insurance Plan now and receive a 1-Year POE Subscription (10,000 points/day plan, valued at HK$399) ^‼️ (Incentive will be provided as cash via FPS, so you can easily subscribe to the POE plan at your convenience.)

Prepare smarter, learn faster — and start your overseas journey with an edge!
Limited-time offer. Terms and conditions apply.

Valid until 27 Jul 2025 - See more details below

Overseas Student Insurance Policy	Key Features	Premium
Starr SmarTrip Overseas Student Insurance (Credit)	Cover up to HK$1,000,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks.	HK$1,870
Starr SmarTrip Overseas Student Insurance (Distinction)	Cover up to HK$1,500,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks.	HK$2,550
Starr SmarTrip Overseas Student Insurance (High Distinction)	Cover up to HK$2,000,000 medical expenses. No copayment or deductible required. Extend to cover leisure trips during term breaks.	HK$4,250
FWD Comprehensive Medical Overseas StudyCare Plan A (Asia)	Cover up to HK$2,000,000 medical expenses.	HK$4,675
FWD Comprehensive Medical Overseas StudyCare Plan A (Worldwide)	Cover up to HK$2,000,000 medical expenses.	HK$6,800
FWD Comprehensive Medical Overseas StudyCare Plan B (Worldwide)	Provide education funds and cover for leisure and amateur sports activities.	HK$4,250
Zurich StudySmart Overseas Student Insurance Primary Plan (2-year)	Cover internship and study interruption	HK$3,850

	Overseas Student Insurance Policy	Travel Insurance
Policy Period	Up to 2 years	Single trip travel insurance: up to 180 days Annual travel insurance: up to 90 days
Age Limit	10-35 years old	18-70 years old (6 weeks old for family package)
Coverage	Provide additional cover including study interruption and education fund in additional to basic coverage for travel insurance	Cover medical expenses, trip cancellation and personal liability
Suitable For	International or exchange students	Holidaymakers

Country	Mandatory Health Insurance	Coverage
United Kingdom	National Health Service (NHS)	In-patient medical expenses and hospitalisation fees in public clinics/ hospitals (excluding medication)
Australia	Overseas Student Health Cover (OSHC)	Right Column 2In-patient medical expenses and hospitalisation fees public clinics/ hospitals (including medication)
Japan	Statutory Health Insurance (SHI)	Cover 70% of medical expenses
Canada	Any overseas student insurance	Medical expenses and hospitalization fees
United States	Any overseas student insurance	Medical expenses and hospitalization fees

Compare Overseas Student Insurance in Hong Kong 2025

Refine Your Results

HK$3,510

AXA SmartStudent Overseas (Worldwide, excl. USA/Canada)

HK$3,330

Dah Sing Insurance Overseas StudySure Protection Plan (Worldwide, excl. USA/Can) [1-year]

HK$2,850

Starr SmarTrip Overseas Student Insurance - Distinction

HK$4,024

MSIG - Study abroad carefree with comprehensive protection (Premier Plan)

HK$3,175.2

Generali Annual Study Abroad Protector (Worldwide, except US/Canada)

HK$4,410

AXA SmartStudent Overseas (US/Canada)

HK$5,580

BOCG Insurance GoStudy Student Insurance - Premier Plan [1-year]

HK$3,888

Generali Annual Study Abroad Protector (US/Canada)

HK$4,750

Starr SmarTrip Overseas Student Insurance- High Distinction

HK$2,880

BOCG Insurance GoStudy Student Insurance - Basic Plan [1-year]

HK$4,140

Dah Sing Insurance Overseas StudySure Protection Plan (Worldwide) [1-year]

HK$2,090

Starr SmarTrip Overseas Student Insurance - Credit

HK$8,280

Dah Sing Insurance Overseas StudySure Protection Plan (Worldwide) [2-year]

HK$6,480

Dah Sing Insurance Overseas StudySure Protection Plan (Worldwide, excl. USA/Can) [2-year]

HK$1,925

Zurich StudySmart+ Overseas Student Insurance Basic Plan (1-year)

HK$4,165

Zurich StudySmart+ Overseas Student Insurance Advanced Plan (1-year)

HK$3,269

Zurich StudySmart+ Overseas Student Insurance Basic Plan (2-year)

HK$7,000

Zurich StudySmart+ Overseas Student Insurance Advanced Plan (2-years)

HK$2,790

BOCG Insurance GoStudy Student Insurance - Premier Plan [6 Month]

HK$1,440

BOCG Insurance GoStudy Student Insurance - Basic Plan [6 Month]

What is Overseas Student Health Cover?

Best Overseas Student Health Cover

Benefits of Overseas Student Insurance Policy

Overseas Student Insurance Policy VS Travel Insurance

The Main Coverage of Overseas Student Insurance Policy

Points to Note for Overseas Student Insurance Policy

Higher insurance premiums doesn’t mean more coverage

Coverage amount depends on which country you are going

Policy bought through schools are less comprehensive

Mandatory Student Health Insurance for Popular Countries

Frequently Asked Questions about Overseas Students Health Cover

When should I purchase overseas student insurance?

Can annual travel insurance replace overseas student insurance?

Do I need overseas student insurance?

What is the difference between mandatory health insurance required by some countries and other overseas student travel insurance?

Should I purchase additional cover if I have already purchased an insurance policy through my school?

Is it a must to purchase overseas student insurance prior to my departure?

Who is eligible to purchase overseas students health cover?

Be the first to hear about exclusive deals

^HK$3,510

^HK$3,330

^HK$2,850

^HK$4,024

^HK$4,410

^HK$5,580

^HK$4,750

^HK$2,880

^HK$4,140

^HK$2,090

^HK$8,280

^HK$6,480

^HK$1,925

^HK$4,165

^HK$3,269

^HK$7,000

^HK$2,790

^HK$1,440